- The power of a checking account in one card, even if you have bad credit
- Write personal checks online, we mail them for you
- $0.99 monthly fee with total load of $500 or more
- Free Direct Deposit from employers or load cash at 50,000 retailers
5.0 / 5.0 (22 votes)
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Information - Rates - Fees

Intro APR:
Intro Period:
Annual Fee:
Card Network:
Card Category:
Consumer (Stored Value)
Card Type:
Card for Bad Credit
Guaranteed Approval
Prepaid Debit Card
Teen Debit Card
Reward Card
Credit Needed:
Bad Credit OK*
Grace Period:
Late Payment Fee:

Balance Transfers

Balance Transfer:

Other Fees

Opening Minimum:
Application Fee:
ATM Fee:
Additional Fees
Foreign currency conversion: 2% (in addition to the currency conversion rate)

Account closure fee - None
Activation fee - None
Annual fee - None
Automated phone inquiry (per call) - $0.99
Balance inquiry fee - $0.99
Companion card (balance over $1000) - FREE
Companion card (per month) - $1.99
DDA load fee - None
Decline fee on ATM withdrawal - $2.00
Decline fee on POS - None
Express delivery (surcharge) - $14.95
Inactivity fee - None
Monthly fee (balance $25-$500) - $2.99
Monthly fee (balance over $500) - $0.99
Negative balance fee - None
Online customer support - FREE
Purchase transaction fee - None
Standard delivery - $9.95


The maximum balance cannot exceed $10,000.00. Monthly maintenance fee is $0.99 if a minimum amount of $500 is loaded to the card within the calendar month. Otherwise a $2.99 fee applies each month.

Review by

The iBankup Prepaid Visa Card is perfect for people with little or no credit. It is even better for a working teenager. As soon as you apply you are given your routing number and other direct deposit information. To make it even easier to get started they will send the information via email directly to your employer.

This card has a ton of cool features and using it gives you a great reward in the form of cash back bonus points. You are able to choose an online ID and password that enables you to access your account information from day one. If you have bills that you would normally buy money orders for and use snail mail, it can be a thing of the past.

The virtual check writing is a breeze and they even send the checks to the recipients. Sign up today and get yours delivered and be ready to go in a few business days.


Most attractive:
- Bonus cash back points
- No annual fee
- 100% approval
- Cheap checking account alternative
- Low fees
Least attractive:
- Monthly maintenance fee


Other Benefits:
- All the features of a checking account, even if you have bad or no credit.
*See terms and conditions of the card
Online Access:
100% Guarantee Approval:

The information provided for iBankUP Prepaid Visa Card is believed to be accurate at the time of evaluation (Mar 23, 2014). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.

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